We owe about $1200 to a company. They said we have to make 4 monthly payments of about $300 each. We don't have that. They said if we don't make those payments it will be turned over to a collection co. and there will be interest and it will, of course, hurt our credit. But if we just start making monthly payments of about $30 to them anyway, can they do anything since we are making some kind of payment? Thanks.